Pratik Gupta

Product Manager with about 5 years of experience across fintech, lending, travel, consumer platforms, workflow automation, and AI-led products working closely with engineering, design, operations, business, analytics, and external partners.

Co-founder - Product Lead at Concepts AI (Concepts HQ Pvt Ltd.) (2025-12 – 2026-05)

Built a diagnostic-first AI-powered learning platform for students, teachers, and schools.

• Diagnostic-First Product: Built an AI-powered diagnostic learning platform that transformed student practice into concept-level mastery insights and personalized learning recommendations.
• Recommendation System: Improved learning recommendation relevance by 31% by designing a concept graph-based recommendation engine that leveraged prerequisite, application, and co-occurrence relationships.
• 0→1 Execution: Led 0→1 product execution from MVP to GTM, launching a beta within one month and scaling adoption to 700+ students and 20+ tuition teachers.

Product Manager - LMS at Olyv (SmartCoin Financials Pvt Ltd.) (2023-06 – 2025-11)

Series C fintech app with 10M+ downloads, offering unsecured personal loans to individuals.

• Loan Management System: Owned roadmap and prioritization for LMS initiatives across disbursal, lender allocation, and operational automation, managing 800K+ active loans. Improved multiple key metrics like repeat-loan allocation by 13%.
• Business Rule Engine: Designed and launched a configurable BRE for lender allocation optimization, improving allocation by 46% for key lenders and increasing daily disbursals by ~7%.
• Loan Support AI Bot: Built a RAG-based chatbot using real-time loan data, resolving ~91% of basic servicing queries without Ops intervention; rolled out to 100% of users within 3 weeks through A/B testing and a closed-loop feedback mechanism that identified low-confidence responses, flagged them for review, and improved the knowledge base over time.
• Disbursal/Payout: Led product development of payout and reconciliation workflows with auto-retry across internal transfers and user disbursals, achieving 99.98% disbursal success and reducing manual retry/support operations effort by ~80%.
• FinOps Tooling: Built internal operational products enabling FinOps teams to diagnose stuck loans, lender routing failures, reconciliation mismatches, and sync issues, reducing escalation by 70%.

Product Manager - Train Booking at RailYatri / IntrCity (2021-10 – 2023-05)

Series C travel app with 50M+ downloads, offering train and bus travel services.

• Train Booking Platform: Owned the train ticket booking product serving 4M+ MAU, optimizing acquisition, conversion, post-booking experience and retention.
• Booking Funnel Optimization: Redesigned drop-off recovery and re-entry points, increasing daily ticket bookings by ~3.5%.
• Passenger Details Page: Revamped it to reduce friction and improve conversion by 2.6% for repeat and 9.2% for new users.
• Free Cancellation Add-on: Scaled adoption through contextual nudges and promotional placements, increasing opt-in by ~6% and driving up to 28% growth in ancillary revenue.
• Retention & LTV: Improved product experience by solving recurring real-time user complaints, reducing support ticket volume by ~30%, reducing churn by 24.7% over 5 quarters, and increasing LTV.

Product Marketer - GTM at bip.so (2021-06 – 2021-09)

Bootstrapped wiki platform for Web3 communities, founded by redBus founder Phanindra Sama.

• 0→1 GTM Strategy: Defined ideal customer profile and GTM motion for early product positioning targeting decentralized Web3 communities. Conducted 50+ user interviews to validate use cases, adoption barriers, and product-market fit signals.

B.E. in Electrical and Electronics Engineering – AMET University (2017 – 2021)